Honestly, as a one time bike builder and amateur bike mechanic/rider, Target bikes, IF ASSEMBLED PROPERLY, are fine for a few things, young kids that are going to outgrow/destroy them in a year or two, teenagers that will do the same, and mom/dad who are going to go for a ride with their kids or whatever once or twice a month around the block/park/whathaveyou. Beyond that, you're better off with paying a bit more for a low-end 'good' bike. And I say this as someone who has nursed a target schwinn road bike along for 4-5 years because it was cheap as hell as a return.
The big if there is if they are put together properly, and since I stopped being the main/only bike builder and finally not a bike builder at all(except in cases of "Guest wants this bike and we have none built and noone else is here") I've seen some goddamn atrocious things. Wheels only bolted on on one side, disc brake bikes with the wheel on the wrong way(How the fuck do you even do that), stem bolts that are barely tightened, straight up dangerous shit. There is very little quality control, almost no oversight(This seems to be getting better with the new TL over bikes, but also I don't bother to look at them very often anymore, so it might be that). Hours seem pretty meager, and while a bike doesn't take that long to put together well if it lacks major flaws, fixable flaws ain't in the timeline.